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6 Premium iPhone Apps Gone Free For a Limited Time



5 Premium iPhone apps gone free for a limited time , iphone app lock download, iphone app development, iphone app format extension

Everyone likes new apps but sometimes our favorite and best apps are quite expensive . But here we have a good news for iPhone users. Now and then, developers put paid apps on sale for free for a limited time.

How limited, If you ask? There’s is no certain answer. Some of these sales might last free for days while some last for hours. Free for a day or a week, doesn’t really matter as long as they are free, you have to hatch them up while you have the chance.

Here are the latest and greatest apps that are free on sales in the iOS App Store for a limited time. Remember, prices can change quickly and without notice, these apps may not be free anymore when you read this post.

Top 6 Premium iPhone Productivity Apps That Are Free For A While

5 Premium iPhone apps gone free for a limited time , iphone app lock download, iphone app development, iphone app format extension

PDF to Word Converter App for iPhone and Android: PDF to Word Converter, developed by Cometdocs, is a productivity app that allows you to convert your PDFs into Word documents on your iPhone or Android smartphone and in that way to extract all necessary data from PDF files and make them easily editable.

In other words, you will be able to work on your documents on the go and get your job done right away. This will make you more productive and professional given that you’ll respond to any document modification promptly.

This means you can easily edit your reports, presentations, invoices or any other business documentation. Likewise, you will be able to effortlessly create a new document using the necessary parts of already existing files. An efficient way to handle document management in the move.

PDF to Word Converter offers also other significant features that will make all the process go smoothly and successfully:

  • First-rate conversion quality thanks to industry-leading OCR technology
  • Scanned and complicated PDFs are convertible as well
  • Unlimited number of converted files regardless their size
  • Layout, formatting, tables, images, and text look exactly like the original
  • It’s possible to convert files from Gmail attachments and popular cloud services

Besides, PDF to Word Converter has a simple and user-friendly interface, so you will only need three straightforward steps to convert your PDFs and extract all essential information.

How to use PDF To Word Converter on iPhone and Android:

  1. Download PDF to Word Converter from the App Store and Google Play 

iphone app word to pdf converter

2. Choose a file you’d like to convert; it can be a file from your phone or some cloud storage.pdf to word converter iphone

  1. Simply open the document in Word app and make changes.

Conversions is executed on effective servers, so the app won’t drain your smartphone battery. When the conversion is finished, the document is being downloaded to your mobile device and immediately deleted from the servers.

iSchool: i-School is a study organizer and Timetable Schedule Planner, both for schools and universities. Very minimalistic but has everything you need. Convenient class and study-schedule, textbooks, homework and notes are attached to classes; homework notifications, grades, grade’s average. Take a pictures or use voice recording as a note. Very simple. Very useful. Download iSchool

Ballpoint: High-definition canvas, up to 4096 x 4096 pixels 100 levels of undo/redo Continuous auto-save Full zoom, color picker with RGB values Built for performance (no lag) Realistic eraser, pencil, pen, marker & airbrush tools. The app is currently free, instead of its regular price of $0.99. Ballpoint – Precision Art, Notes & Handwriting is currently ranked #65 in free Reference apps for iPhone, as well as #14 in free Reference apps for iPad.

Black SMS: Keep messages private by protecting them with your fingerprint or a passcode (now built directly into iMessage!). 150,000 people already use Black SMS for personal messages, photos, group chats, girl talk, guy talk, gossip, and work-related secrets. Download Black SMS

Ark Journal: Ark is an elegant and simple personal journal. The app is designed as a clean and light-weight way to keep track of your thoughts and experiences. All your content is synced across your devices in real-time, and is available offline for continuous use. Download Ark Journal

Eazy Reminder: Remind Yourself by Your Voice. The Fast and Easy way to create Reminders to notify yourself to do daily life activities i.e. Meet Friend, Meet Customer, Buy Food, Bring documents to the office, etc. To create a new reminder is very fast and easy. Just Recording your reminder voice, setting time to alert, setting reminder title (optional), that’s all. Download Eazy Reminder

Also read: How to develop your own Apps




    October 22, 2016 at 10:55 pm

    Good…keep it up…

  2. Piyush Aggarwal

    October 22, 2016 at 11:51 pm

    Really helpful article. Was waiting for ballpoint app to reduce price. Now finally its free!!
    Keep writing

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What Is CIBIL Score and How It Is Calculated!



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Till now, you had to spend Rs 500 to Rs. 1200 to know your credit score or CIBIL score, but do you know, now you can check your CIBIL score for free? Yes! You can check your credit score on the official website of Credit Information Bureau, without spending a single penny and can quickly know that as per your CIBIL score, at what interest rate and monthly EMI, you can take the loan from the bank.

Why good credit score is important: In the recent years, almost every bank has changed its policies and added a clause for good credit scorers. According to it, good credit scores will not only help in getting the loan on easy EMI terms, but also will assist in getting concessions in interest rates. For example, People having CIBIL score more than 760 in home loans for Bank Of Baroda, will get the loan at 8.35% interest rate only.

If your CIBIL score is not good, then you may face hurdles in getting your loan approved. As per the latest policies regarding credit score, if your previous loan repayments and the transaction record is stable, then the bank can even lessen your monthly EMI.

Frequently asked questions about Credit Score: Due to lack of the proper information regarding credit score, many people have doubts regarding it, like, what is CIBIL Score, how much CIBIL score is considered good, how to check CIBIL report online and how to improve credit score?

There would be many who need to know how credit score is calculated, if one has done negligence in previous transactions and loan repayments how to handle this situation of lousy track record. Here, in this article, we are bringing an answer to each of these questions & that too in straightforward words so that you can understand each term easily.

If you still have any query to ask or have valuable information about CIBIL score to share with our readers, then you can post it in the comment section at the end of this article.

What is a Credit Score?

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How does CIBIL Bureau work: Trans-Union Credit Information Bureau India Limited (generally known as CIBIL) is India’s first ever credit information company, which keeps the transaction record of loans and credit cards, as provided by the banks in India.

CIBIL keeps the record of all reputed banks, creditors, commercial bodies and not only this, more than 2400 financial institutions are part of it. CIBIL maintains a complete record of above 550 Million accounts & credit records worldwide. Amazed, right? This huge database is the very reason behind the high credibility of CIBIL credit scoring algorithm.

हिंदी में पढ़ें: सिबिल स्कोर कितना होना चाहिए

These records are submitted by banks and other creditors to CIBIL on a monthly basis, and this information is then used to prepare the Credit Information Report (CIR) of creditors and to decide credit score so that lenders can judge the loan application of person by their financial records.

Why is it necessary to have a good CIBIL score?

Credit/CIBIL score plays a significant role in the loan approval process in any bank. Whenever you fill a loan application form, then the lender bank or the lender company inspect each detail of your credit report regarding your previous loan history. After analyzing your repayment capacity, lenders decide whether to lend you a loan or not. If your credit score is too low, then the lender will immediately deny to give you any loan.

How credit score is calculated: In simple words, CIBIL score presents your credibility in financial dealings, that whether you have repaid the previous loan amount by following the guidelines of the bank timely or not. If you have not paid EMI correctly or have not paid the loan as per the terms and within the stipulated period, then this behavior may add up to a bad credit score and can have adverse effects on your future loan approvals.

How much Credit Score is good?

As per CIBIL, the measure of credit score can be from 100 to 1000 points. Points less than 650, are considered as poor, that means, if your score is less than 650 then you may face difficulty in getting credit cards and loans. On the other hand, points more than 750 are considered as a good credit score. You will not face any hassle in getting loan from various banks or getting the credit card if your score is above 750 points.

Good credit score, how to calculate and Improve credit score

  • Excellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600
What would be Credit Score if there’s no credit history

What if you never had a credit card or loan before: If you are applying a loan for the first time or applying for a credit card, then in the column of credit score in CIBIL table, N/A will be written. In this situation, the bank will check out your monthly income, bank statement of the previous six months and by estimating your payment capacity, the bank will set credit card limit or can approve or disapprove your loan.

How to check credit score online?

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To know your credit score, go to the official website of CIBIL, and fill your PAN Number, Date of birth, monthly income and other necessary details and then click on submit. After submission, a new page will open up. Here again, you will have to fill your information; however, details regarding PAN card will automatically get filled.

After it, you will get an email from CIBIL, in which you will get a link and password for your CIBIL account. After clicking on the link, you will be directed to a new page, here do login by filling your email id and password that you got in your email. After getting logged in, you will be asked to change your password. After setting the new password, your CIBIL Account will be logged out.

Then, login again with your new password. After login, you will get your credit score. Remember, through this process of checking CIBIL score; you will get information about credit score only. For any further detail, you have to pay fees of Rs. 500 to Rs. 1200.

How to improve your credit score?

Although, it’s not an easy task to improve your bad credit, as it takes a huge time to cover up, yet, your continuous efforts to fix credit score can prove fruitful to you. Here are some essential points, you should consider to improve your credit score:

  • Firstly, thoroughly review your credit report by requesting its free copy. By doing so, you will come to know all the loopholes, errors and other faults. In case of errors in the credit report, you can confidently tell your point to the credit bureau.
  • Make your payments on time & set proper reminders for it. You can enroll to automatic fees and get your loan installments, or EMIs paid on time.
  • Make a proper payment plan, wherein, mention your budget, all accounts, loans taken, their interests, etc. In this way, you come to know about credit with the highest interest & can manage to lessen loans by maintaining the accounts accurately.
  • Don’t put a negative impact by delaying bill payments. If you have neglected it before, then start making bill payments on time. Your these efforts will fade the earlier negative implications.
  • Anyhow, if you are facing problem in setting your credit score, then it’s better to take the help of a credit counselor. This way will help you improve your credit score.
  • Outstanding debt is dangerous. So keep your credit card balances low always.
  • Pay the credit card balance on time. Don’t delay.
  • You can raise your scores, by showing unused credit cards, so don’t close these down.
  • If you don’t need those, then don’t issue new credit cards. More accounts mean less average account age, as it can prove risky for credit scores. So, if you can manage credit within the short span, then don’t open new accounts.

These are pretty hacks to improve your credit score. If you follow these thoughtfully & don’t open new accounts often, make payments on time, don’t leave any outstanding credit card balances, then slowly, you will be able to get your credit report improved.

(With inputs from Komal Singla)

Also Read: How a good credit score is calculated by FICO

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How a good credit score is calculated by FICO



Good credit score, how to calculate and Improve credit score

People often ask – What is good credit score? In simple words, a good credit score is something that makes you ‘credible’ in the business. Lender use credit score to decide to grant loans to their customers and their credit limits. A good credit score can save your money and lower your interest rates. A credit score of 700 or above is considered good with a range between 300-850. Different lenders define good credit score differently according to the size of organization.

What is Credit Score: A credit score is a statistical method to determine the likelihood of an individual paying back their money he or she has borrowed. A good credit score involves low risk for lenders and investors and the business itself.

How credit score is calculated

FICO score is the measure that is mostly used by lender to determine the risk involved in particular loan. FICO score is created by Fair Isaac Corp. Fair Issac does not reveal exact formula I uses. It operates within the range of 300 to 850 within that range, there are different categories which are :

  • Good credit score, how to calculate and Improve credit scoreExcellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600

What makes up your Credit Score

When you borrow money, your lender sends information to credit bureau in the form of Credit report from the information in the credit report, bureau determines credit score based on five major factors. These factors include in credit score calculation, They are not given equal weighting.

35% – Previous credit Performance
30% – Current level of indebtedness
15% – Time credit has been in use
15% – Types of Credit Available
5% – Pursuit of New Credit

These factors are positive for you then you get a good credit score. You can also improve these to get good scores. You can’t assume that your score is good if you met the obligation on time. Your credit rating is checked. You can get your credit score free at . This information is provided to you at no cost with your consent.

How Your Credit Score Affect Your Mortgage

How individual with varying credit score will pay dramatically different interest rate on similar mortgage amount. Your credit score affect your mortgage in many ways like.

Score Rate Monthly payment
720-850 5.49% $ 851
700-719 5.61% $862
675-699 6.15% $914
620-674 7.30% $1028
560-619 8.53% $1157

Good credit score gives you leverage to negotiate a low interest rate on your credit card or a new loan. It makes your credit card limit increased. You have more negotiating power. Therefore,To make good credit score you have to maintain low level of indebtedness having a long credit history, make bills payment on times.

(With inputs from Shaweta Narang)

Also read: How To Check CIBIL Score

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